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                 currency, and the impression of policy drift likely will not play well for Putin at the polls.
 8.0​ Financial & capital markets
    Russia -Selected performance indicators of credit institutions (LC bn)
   2012
   2013
    2014
    2015
    2016
    2017
  2018
  Apr 2019
    Assets
  Assets (RUB bn)
 49,510
    57,423
     77,653
     83,000
     80,063
     85,192
   91,973
   92,363
 Loans to non-financial institutions
 /
   /
  29,536
  33,301
   30,135
    30,193
  33,372
  33,516
 Loans to resident financial institutions (RUB bn)
    /
 /
 1,306
 1,659
 2,777
 3,627
4,321
   4,384
 Loans to individuals (RUB bn)
  /
    /
   11,330
   10,684
    10,804
     12,174
   14,901
   15,846
   Capital and financial performance
  Equity capital (RUB bn)
 6,113
    7,064
     7,928
     9,009
     9,387
     9,397
      10,234
 Provision for losses (RUB bn)
    /
 /
 /
 /
 /
 6,916
7,624
   7,093
   Profit for the current year (RUB bn)
      /
    /
    589
    192
    930
    790
 1279
     750
   CAR capital adequacy (%)
      14
    13
    12
    13
    13
    12
      12.1
   ROA (%)
      /
    /
    1.0
    0.0
    1.0
    1.0
 1.4
     1.7
 ROE (%)
  /
    /
     8.0
     2.0
     10.0
     8.0
   12.4
   15.6
   Liabilities
   Individuals’ deposits (RUB bn)
     14,251
   16,958
   18,553
   23,219
   24,200
   25,987
 28,460
    28,810
   Corporate deposits (RUB bn)
      /
        /
    /
    /
    24,843
 25,504
     26,891
 Loans from CBR (RUB bn)
  /
    /
     9,287
     5,363
     2,726
     2,016
   2,710
   2,597
   source: CBR
               8.1​ Bank sector overview
The banking sector was back in profit in 2019, but its traditional business, making loans, remains depressed. ​The credit stock of Russian banks grew by 6 % in nominal terms last year, down from 12 % growth in 2018.
The most notable slowdown was seen in corporate borrowing​, which increased by just 1 % y-o-y. Since approximately a quarter of corporate bank
61​ RUSSIA Country Report​ March 2020 ​ ​www.intellinews.com
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